Systems and methods for determining sales migration between merchant types

Abstract

A method and system for determining sales migration between merchant types using a payment card network are provided. The method includes storing in a memory device, financial transaction data records for a plurality of purchase transactions conducted between a plurality of merchants and a plurality of payment card cardholders over a predetermined period of time. Each of the financial transaction data records including a cardholder account number and a merchant identifier. The method further includes determining a geographic home purchasing location of at least some of the plurality of the payment card cardholders using a respective cardholder account number and determining a geographic location of at least some of the plurality of merchants using a respective merchant identifier. The method also includes determining a trend of purchases from selected geographic home purchasing locations in relation to selected merchant identifiers and outputting the determined trends.

1 . A computer-implemented method for determining sales migration between merchant types using a payment card network, the method implemented using a computer device coupled to a memory device, the method comprising:
 storing in the memory device, financial transaction data records for a plurality of purchase transactions conducted between a plurality of merchants and a plurality of payment card cardholders over a predetermined period of time, each of the financial transaction data records including a cardholder account number and a merchant identifier that identifies a store type for the merchant as being one of an online store or a physical store;   determining a geographic home purchasing location of at least some of the plurality of the payment card cardholders using a respective cardholder account number;   determining a geographic location of at least some of the plurality of merchants using a respective merchant identifier;   determining a trend of purchases from selected geographic home purchasing locations in relation to selected merchant identifiers; and   outputting the determined trends.   
     
     
         2 . The computer-implemented method of  claim 1 , wherein determining a geographic home purchasing location comprises determining a geographic home purchasing location using a location inferred from purchasing locations of historical transactions. 
     
     
         3 . The computer-implemented method of  claim 1 , wherein at least some of the plurality of merchants are associated with a physical store having a first merchant identifier and an online store having a second merchant identifier. 
     
     
         4 . The computer-implemented method of  claim 3 , wherein the first merchant identifier and the second merchant identifier linked such that the physical store and online store of the same merchant can be treated as a single entity. 
     
     
         5 . The computer-implemented method of  claim 1 , further comprising ranking physical store associated with the same merchant by sales. 
     
     
         6 . The computer-implemented method of  claim 1 , further comprising determining the geographic home purchasing locations of the plurality of the payment card cardholders for the plurality of merchants. 
     
     
         7 . The computer-implemented method of  claim 1 , wherein determining a geographic home purchasing location of at least some of the plurality of the payment card cardholders using a respective cardholder account number comprises accessing at least one of a database that includes cardholder account numbers associated with inferred geographic home purchasing location based on a transaction history of the cardholder and a database that includes cardholder account numbers associated with determined geographic areas. 
     
     
         8 . A computer system for determining sales migration between merchant types using a payment card network, the computer system comprising a memory device and a processor in communication with the memory device, the processor programmed to:
 store financial transaction data records for a plurality of purchase transactions conducted between a plurality of merchants and a plurality of payment card cardholders over a predetermined period of time, each of the financial transaction data records including a cardholder account number and a merchant identifier that identifies a store type for the merchant as being one of an online store or a physical store;   determine a geographic home purchasing location of at least some of the plurality of the payment card cardholders using a respective cardholder account number;   determine a geographic location of at least some of the plurality of merchants using a respective merchant identifier;   determine a trend of purchases from selected geographic home purchasing locations in relation to selected merchant identifiers; and   output the determined trends.   
     
     
         9 . The computer system of  claim 8 , wherein said processor is further programmed to determine a geographic home purchasing location using a location inferred from purchasing locations of historical transactions. 
     
     
         10 . The computer system of  claim 8 , wherein at least some of the plurality of merchants are associated with a physical store having a first merchant identifier and an online store having a second merchant identifier. 
     
     
         11 . The computer-implemented method of  claim 10 , wherein the first merchant identifier and the second merchant identifier are linked such that the physical store and online store of the same merchant can be treated as a single entity. 
     
     
         12 . The computer system of  claim 8 , wherein said processor is further programmed to rank physical stores associated with the same merchant by sales using the financial transaction data records. 
     
     
         13 . The computer system of  claim 8 , wherein said processor is further programmed to determine the geographic home purchasing locations of the plurality of the payment card cardholders for the plurality of merchants. 
     
     
         14 . The computer system of  claim 8 , wherein said processor is further programmed to access at least one of a database that includes cardholder account numbers associated with inferred geographic home purchasing location based on a transaction history of the cardholder and a database that includes cardholder account numbers associated with determined geographic areas. 
     
     
         15 . One or more non-transitory computer-readable storage media having computer-executable instructions embodied thereon, wherein when executed by at least one processor, the computer-executable instructions cause the processor to:
 store financial transaction data records for a plurality of purchase transactions conducted between a plurality of merchants and a plurality of payment card cardholders over a predetermined period of time, each of the financial transaction data records including a cardholder account number and a merchant identifier that identifies a store type for the merchant as being one of an online store or a physical store;   determine a geographic home purchasing location of at least some of the plurality of the payment card cardholders using a respective cardholder account number;   determine a geographic location of at least some of the plurality of merchants using a respective merchant identifier;   determine a trend of purchases from selected geographic home purchasing locations in relation to selected merchant identifiers; and   output the determined trends.   
     
     
         16 . The computer-readable storage media of  claim 15 , wherein determining a geographic home purchasing location comprises determining a geographic home purchasing location using a location inferred from purchasing locations of historical transactions. 
     
     
         17 . The computer-readable storage media of  claim 15 , wherein at least some of the plurality of merchants are associated with a physical store having a first merchant identifier and an online store having a second merchant identifier. 
     
     
         18 . The computer-readable storage media of  claim 17 , wherein the first merchant identifier and the second merchant identifier linked such that the physical store and online store of the same merchant can be treated as a single entity. 
     
     
         19 . The computer-readable storage media of  claim 15 , further comprising ranking physical store associated with the same merchant by sales. 
     
     
         20 . The computer-readable storage media of  claim 15 , further comprising determining the geographic home purchasing locations of the plurality of the payment card cardholders for the plurality of merchants.